Accidental Serious Injury Insurance Option

This option is only available with Funeral Insurance. You only have this cover if we accepted your application and it is shown in your Policy Schedule.

1. What is Accidental Serious Injury Insurance?

Accidental Serious Injury Insurance provides a benefit in the event that a Life Insured under the Policy experiences one of the following injuries as a direct result of an Accident and within 12 months of that Accident:

Quadriplegia;

Paraplegia;

Hemiplegia;

Blindness;

Deafness; or

Total and Permanent Loss of Use of Two Limbs.

2. Accidental Serious Injury Insurance eligibility

You can apply for Accidental Serious Injury Insurance if you (and/or your Partner Life Insured) are aged between 18 and 69 years of age, and are Australian Residents.

3. Accidental Serious Injury Insurance Benefit Amount

You (and/or your Partner Life Insured, if applicable) can apply for an Accidental Serious Injury Insurance Benefit Amount which is equal to three times the Funeral Insurance Benefit Amount.

4. Accidental Serious Injury Insurance benefit payment

We will pay the Accidental Serious Injury Insurance Benefit Amount as a lump sum in the case of:

Quadriplegia;

Paraplegia;

Hemiplegia;

Blindness;

Deafness; or

Total and Permanent Loss of Use of Two Limbs.

occurring to the Life Insured as a direct result of an Accident while covered for Accidental Serious Injury Insurance under the Policy and where the injury occurs within 12 months of the Accident, except in the circumstances explained in "Accidental Serious Injury Insurance exclusions".

The injury must be diagnosed by a Medical Practitioner within 12 months of the Accident and confirmed by our medical advisers.

Limit on benefits

Only one Accidental Serious Injury Insurance Benefit Amount is payable per Life Insured. The total Accidental Serious Injury Insurance Benefit Amount payable for a Life Insured under the Policy cannot exceed $45,000 plus any automatic sum insured increases under the Policy.

If the Life Insured is covered for Accidental Serious Injury Insurance under more than one Guardian Funeral

Insurance Policy, we will apply this limit to the total of the Accidental Serious Injury Insurance Benefit Amounts payable for the Life Insured under all Guardian Funeral Insurance policies. Any reduction in the Accidental Serious Injury Insurance Benefit Amount will be applied to the Accidental Serious Injury Insurance most recently commenced and we will refund the premiums paid referable to the amount by which the Accidental Serious Injury Insurance Benefit Amount is reduced.

5. Accidental Serious Injury Insurance premiums

The premium you are required to pay for this option when the Policy starts is shown in your Policy Schedule. The premium is calculated at each Policy Anniversary and is based on:

your age at that time (or the age of the oldest Life Insured for a Family Plan);

the Benefit Amount provided; and

the Insurance Plan chosen by you (Family Plan or Single Plan). For a Family Plan, the premium is based on the age of the oldest Life Insured under the Policy.

For a quote you should contact a Guardian Insurance Consultant on 1300 709 560.

6. Accidental Serious Injury Insurance exclusions

We will not pay an Accidental Serious Injury Insurance Benefit Amount in respect of a Life Insured if the Life

Insured suffers Quadriplegia, Paraplegia, Hemiplegia, Blindness, Deafness, or Total and Permanent Loss of Use of Two Limbs directly or indirectly as a result of:

an intentional self-inflicted bodily injury;

engaging in any criminal activities or illegal acts;

suicide or attempted suicide;

the consumption of drugs (unless it was under the direction of a Medical Practitioner and not in connection with treatment for drug addiction or dependence);

the consumption of intoxicating liquor, including having a blood alcohol content over the prescribed legal limit whilst driving;

engaging in any professional sport (meaning the Life Insured’s livelihood is substantially dependent on income received as a result of playing sport);

engaging in any motor sports as a rider, driver and/or passenger;

war (whether declared or not) or war-like activity, or taking part in a riot or civil commotion; or

being a pilot or crew member of any aircraft, or engaging in any aerial activity except as a passenger in a properly licensed aircraft.

7. Accidental Serious Injury Insurance start and end

If your application for Accidental Serious Injury Insurance is accepted by us, cover starts for a Life Insured on the Accidental Serious Injury Insurance Acceptance Date set out in the Policy Schedule.

The Accidental Serious Injury Insurance ends for a Life Insured when the first of the following occurs:

the date of death of the Life Insured;

the date of payment of an Accidental Serious Injury Insurance Benefit Amount for the Life Insured;

the date you cancel the Policy;

the date we cancel the Policy;

the date you cancel this cover; or

the Policy Anniversary following the attainment of age 75 by that Life Insured.

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Guardian Insurance products are issued by Hannover Life Re of Australasia Limited ABN 37 062 395 484 and are distributed and promoted by Greenstone Financial Services Pty Ltd (GFS) ABN 53 128 692 884, AFSL 343079, trading as Guardian Insurance, of 58 Norwest Blvd, Bella Vista NSW 2153. Information on this website is general only and does not consider your individual objectives or financial situation. Please review the relevant PDS and the FSG to ensure these products are right for you. Terms and Conditions apply.

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